Portfolio Manager- Commercial Lending

At Cal Private Bank, we believe banking is personal. We have deep roots in the communities we serve, and our client relationships are built on genuine care, thoughtful problem-solving, and unwavering integrity. Our solutions-based service, paired with best-in-class talent, sets us apart in the market, but it’s trust that defines who we are. It's our gold standard, the currency we trade in, and the foundation of every decision we make.

We’re looking for leaders who want more than a title. We’re looking for team players who want to make an impact. If you're driven to lead with purpose, ready to shape the future and have meaningful impact at a relationship-centered bank, Cal Private Bank may be the place for you.

Under the guidance of the Director of Portfolio Management, this position is responsible for the ongoing management, credit performance, and lifecycle execution of a portfolio of commercial banking relationships. Provide an exemplary level of client service on all relationships, whether in a primary or support role. The Portfolio Manager serves as the primary credit steward for assigned relationships post-origination. The position may also assist in underwriting and executing renewals, modifications, and extensions;

proactively managing credit risk; and ensuring timely action on maturing exposures.

• Manage a portfolio of commercial credits across assigned segments and or subsegments (e.g., geographic, specific relationships, or product types: C&I, CRE, middle market)
• Maintain forward-looking risk assessments, including accurate risk rating accuracy and migration
• Monitor financial performance, industry trends, and sponsor strength
• Identify emerging risks early and recommend action plans
• Oversee covenant compliance and testing
• Drive timely borrower reporting and exception resolution
• Recommend waivers or amendments where appropriate
• Perform financial analysis, cash flow modeling, and structure transactions

• Support in underwriting and execution of:
• Timely completion of annual renewals
• Timely completion of amendments and modifications
• Extensions and restructures
• Proactively manage upcoming maturities (e.g., 90-180 day pipeline)
• Partner with relationship managers to determine credit strategy (renew, exit, restructure)
• Ensure compliance with credit policy, regulatory expectations, and risk appetite
• Perform financial analysis, cash flow modeling, and structure transactions
• Prepare credit approval packages and present to credit managers/officers and/or committees.

This position includes direct or indirect interaction with customers and other employees and therefore includes responsibilities relating to BSA/AML. The employee will have opportunity to examine and view information and documents produced by other employees of the Bank relating to BSA and therefore has the obligation to report suspicious activity to the BSA Officer as appropriate. The employee is responsible for understanding and following the Bank’s BSA/AML policies including elevating suspicious activity to the BSA Officer.

Additionally, the employee is required to understand and follow the Bank’s compliance program.

• Minimum of 3 years of prior work experience in SBA workout & liquidation
• Knowledge of bankruptcy, workout, UCC, litigations, foreclosure, and disposition of collateral.
• Knowledge in financial analysis, with the ability to assess business financial statements and restructure SBA loans accordingly.
• Knowledge in SBA and C&I loan documentation
• Excellent verbal and written communication skills.
• Excellent organizational and time management skills
• Ability to handle multiples tasks at once.
• Detailed oriented and…